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STATE STREET CORP (STT) Stock Fundamental Analysis

NYSE:STT - New York Stock Exchange, Inc. - US8574771031 - Common Stock - Currency: USD

111.08  +1.26 (+1.15%)

After market: 111.08 0 (0%)

Fundamental Rating

3

Overall STT gets a fundamental rating of 3 out of 10. We evaluated STT against 237 industry peers in the Capital Markets industry. Both the profitability and financial health of STT have multiple concerns. STT has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

STT had positive earnings in the past year.
In the past year STT has reported a negative cash flow from operations.
Each year in the past 5 years STT has been profitable.
In multiple years STT reported negative operating cash flow during the last 5 years.
STT Yearly Net Income VS EBIT VS OCF VS FCFSTT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B -5B 10B -10B

1.2 Ratios

STT has a Return On Assets of 0.71%. This is in the lower half of the industry: STT underperforms 68.35% of its industry peers.
STT has a Return On Equity (9.98%) which is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.71%
ROE 9.98%
ROIC N/A
ROA(3y)0.73%
ROA(5y)0.75%
ROE(3y)9.34%
ROE(5y)9.21%
ROIC(3y)N/A
ROIC(5y)N/A
STT Yearly ROA, ROE, ROICSTT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

Looking at the Profit Margin, with a value of 20.26%, STT is in line with its industry, outperforming 59.07% of the companies in the same industry.
STT's Profit Margin has improved in the last couple of years.
STT does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 20.26%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.7%
PM growth 5Y2.25%
GM growth 3YN/A
GM growth 5YN/A
STT Yearly Profit, Operating, Gross MarginsSTT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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1

2. Health

2.1 Basic Checks

The number of shares outstanding for STT has been reduced compared to 1 year ago.
The number of shares outstanding for STT has been reduced compared to 5 years ago.
STT has a worse debt/assets ratio than last year.
STT Yearly Shares OutstandingSTT Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M
STT Yearly Total Debt VS Total AssetsSTT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B

2.2 Solvency

A Debt/Equity ratio of 1.51 is on the high side and indicates that STT has dependencies on debt financing.
STT's Debt to Equity ratio of 1.51 is on the low side compared to the rest of the industry. STT is outperformed by 70.04% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.51
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
STT Yearly LT Debt VS Equity VS FCFSTT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B -10B 20B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
STT Yearly Current Assets VS Current LiabilitesSTT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 20.74% over the past year.
The Earnings Per Share has been growing slightly by 7.08% on average over the past years.
The Revenue has grown by 11.11% in the past year. This is quite good.
The Revenue has been growing slightly by 2.03% on average over the past years.
EPS 1Y (TTM)20.74%
EPS 3Y5.35%
EPS 5Y7.08%
EPS Q2Q%17.67%
Revenue 1Y (TTM)11.11%
Revenue growth 3Y2.63%
Revenue growth 5Y2.03%
Sales Q2Q%8.05%

3.2 Future

The Earnings Per Share is expected to grow by 8.63% on average over the next years. This is quite good.
STT is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.83% yearly.
EPS Next Y11.13%
EPS Next 2Y11.18%
EPS Next 3Y11.82%
EPS Next 5Y8.63%
Revenue Next Year5.82%
Revenue Next 2Y4.6%
Revenue Next 3Y4.56%
Revenue Next 5Y2.83%

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
STT Yearly Revenue VS EstimatesSTT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5B 10B
STT Yearly EPS VS EstimatesSTT Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2 4 6 8 10

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 11.78, which indicates a very decent valuation of STT.
Compared to the rest of the industry, the Price/Earnings ratio of STT indicates a somewhat cheap valuation: STT is cheaper than 65.82% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.48, STT is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 10.33, the valuation of STT can be described as reasonable.
Based on the Price/Forward Earnings ratio, STT is valued a bit cheaper than 71.31% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.04, STT is valued rather cheaply.
Industry RankSector Rank
PE 11.78
Fwd PE 10.33
STT Price Earnings VS Forward Price EarningsSTT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
STT Per share dataSTT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40 60 80

4.3 Compensation for Growth

STT's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.06
PEG (5Y)1.66
EPS Next 2Y11.18%
EPS Next 3Y11.82%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.06%, STT has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 8.18, STT has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.40, STT pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.06%

5.2 History

On average, the dividend of STT grows each year by 6.75%, which is quite nice.
STT has been paying a dividend for at least 10 years, so it has a reliable track record.
The dividend of STT decreased recently.
Dividend Growth(5Y)6.75%
Div Incr Years1
Div Non Decr Years1
STT Yearly Dividends per shareSTT Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

5.3 Sustainability

39.65% of the earnings are spent on dividend by STT. This is a low number and sustainable payout ratio.
The dividend of STT is growing, but earnings are growing more, so the dividend growth is sustainable.
DP39.65%
EPS Next 2Y11.18%
EPS Next 3Y11.82%
STT Yearly Income VS Free CF VS DividendSTT Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B -5B 10B -10B
STT Dividend Payout.STT Dividend Payout, showing the Payout Ratio.STT Dividend Payout.PayoutRetained Earnings

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STATE STREET CORP

NYSE:STT (8/8/2025, 8:07:55 PM)

After market: 111.08 0 (0%)

111.08

+1.26 (+1.15%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)07-15 2025-07-15/bmo
Earnings (Next)10-13 2025-10-13/amc
Inst Owners91.74%
Inst Owner Change-1.26%
Ins Owners0.34%
Ins Owner Change1.75%
Market Cap31.72B
Analysts73.33
Price Target117.22 (5.53%)
Short Float %1.23%
Short Ratio1.71
Dividend
Industry RankSector Rank
Dividend Yield 3.06%
Yearly Dividend3.5
Dividend Growth(5Y)6.75%
DP39.65%
Div Incr Years1
Div Non Decr Years1
Ex-Date10-01 2025-10-01 (0.84)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.35%
Min EPS beat(2)0.96%
Max EPS beat(2)5.75%
EPS beat(4)4
Avg EPS beat(4)4.34%
Min EPS beat(4)0.96%
Max EPS beat(4)5.75%
EPS beat(8)8
Avg EPS beat(8)5.89%
EPS beat(12)11
Avg EPS beat(12)4.55%
EPS beat(16)15
Avg EPS beat(16)4.85%
Revenue beat(2)1
Avg Revenue beat(2)-0.15%
Min Revenue beat(2)-2.06%
Max Revenue beat(2)1.76%
Revenue beat(4)3
Avg Revenue beat(4)0.3%
Min Revenue beat(4)-2.06%
Max Revenue beat(4)1.76%
Revenue beat(8)5
Avg Revenue beat(8)-0.73%
Revenue beat(12)6
Avg Revenue beat(12)-0.75%
Revenue beat(16)10
Avg Revenue beat(16)-0.38%
PT rev (1m)6.79%
PT rev (3m)11.74%
EPS NQ rev (1m)-1.29%
EPS NQ rev (3m)-0.99%
EPS NY rev (1m)0.91%
EPS NY rev (3m)1.47%
Revenue NQ rev (1m)0.42%
Revenue NQ rev (3m)0.95%
Revenue NY rev (1m)1.9%
Revenue NY rev (3m)2.13%
Valuation
Industry RankSector Rank
PE 11.78
Fwd PE 10.33
P/S 2.41
P/FCF N/A
P/OCF N/A
P/B 1.19
P/tB 1.77
EV/EBITDA N/A
EPS(TTM)9.43
EY8.49%
EPS(NY)10.75
Fwd EY9.68%
FCF(TTM)-38.14
FCFYN/A
OCF(TTM)-34.91
OCFYN/A
SpS46.04
BVpS93.47
TBVpS62.62
PEG (NY)1.06
PEG (5Y)1.66
Profitability
Industry RankSector Rank
ROA 0.71%
ROE 9.98%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 20.26%
GM N/A
FCFM N/A
ROA(3y)0.73%
ROA(5y)0.75%
ROE(3y)9.34%
ROE(5y)9.21%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.7%
PM growth 5Y2.25%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 1.51
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 180.08%
Cap/Sales 7.01%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)103.02%
Cap/Depr(5y)79.65%
Cap/Sales(3y)6.67%
Cap/Sales(5y)6.31%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)20.74%
EPS 3Y5.35%
EPS 5Y7.08%
EPS Q2Q%17.67%
EPS Next Y11.13%
EPS Next 2Y11.18%
EPS Next 3Y11.82%
EPS Next 5Y8.63%
Revenue 1Y (TTM)11.11%
Revenue growth 3Y2.63%
Revenue growth 5Y2.03%
Sales Q2Q%8.05%
Revenue Next Year5.82%
Revenue Next 2Y4.6%
Revenue Next 3Y4.56%
Revenue Next 5Y2.83%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-392.17%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-321.26%
OCF growth 3YN/A
OCF growth 5YN/A